• Important Worker’s Compensation Facts Every Worker Should Know

    If you have a job and you are injured, you are likely covered for that injury, given it happens at work. That much is known by most workers, but there are other facts that influence whether their claim will be affected and what they can do to get the most success out of their claim. However, few workers are aware of their rights or what conditions could qualify for coverage.

    In fact, some workers have more coverage than others depending on what industry they work in and what function they perform. Office workers are often the ones that know the least about the coverage they qualify for, with many injuries going unreported as they are not aware of what coverage exists for them.

    Pre-Existing Conditions

    Many workers think the injury must start at work but there are pre-existing conditions that are covered if they are made worse by employment. This includes repetitive use injuries such as carpal tunnel syndrome. However, to be covered, the work performed must have caused, aggravated or worsened your condition. Using carpal tunnel as an example, someone who types all day could argue their condition worsened but someone who does not work with their hands is unlikely to have a case.

    Settlements

    Many are not aware of how settlements are permitted to occur or what rights they have. To begin with, there is no specific right to a lump sum settlement in Worker’s Compensation. Additionally, there is no specific time frame in which a person must settle or lose their chance. Even further, no one can be forced to settle, as every situation is unique to the person in question.

    No Pre-Authorization for Treatment

    There is no requirement for an adjuster at the insurance company to pre-authorize treatment that is reasonable, necessary and directly related to the work injury for medical coverage. The only exception is during a specific treatment plan and there are cases where only approved doctors can be used during the first stages of treatment. However, there is no limit on treatment as long as it is within reason.

    No Fault Necessary

    Whether a work injury is your fault or not, you qualify for Worker’s Compensation. Only in cases where there were clearly intentional acts aimed to create an injury are workers not covered by the insurance. Otherwise, a misstep or mistake on the part of the worker does not disqualify them from coverage.

    Have questions about Worker’s Compensation coverage? Contact our team today and we will help you through the first steps of your journey.

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